Agricultural Bank of China Huinong e-loan refers to a convenient and efficient online loan product tailored by Agricultural Bank of China for farmers. A mobile phone can realize online application, online withdrawal and online repayment, and farmers can apply for loans without leaving home. Huinong e-loan is a farmer's loan that China Agricultural Bank uses the Internet and big data technology to collect internal and external data in batches, establish a credit model, and realize automatic approval by the system. It can realize automatic examination and approval within a certain amount, and the loans can be quickly received, which widely covers the credit capital needs of groups engaged in characteristic industry management, rural e-commerce purchase and sale, agricultural industrial chain supply and marketing, and government credit enhancement, effectively promoting the online, batch, convenient and universal development of agricultural loan business.
I. Conditions for Agricultural Bank of China to benefit farmers by E-loan
1, aged above 18 (inclusive), with good conduct and good credit record;
2. Have a fixed production and operation project and a stable source of income;
3. Provide true, accurate and effective information on family assets, operation and income.
4. Other conditions stipulated by the Agricultural Bank.
Second, the advantages of Agricultural Bank of China's e-loan to benefit farmers
Fast: batch operation, automatic credit granting, automatic lending, online 7×24-hour service.
Precision: accurately meet the loan demand, and the system automatically verifies the loan amount.
Jane: The application is very simple, that is, online self-service application by mobile banking, or submitting the application at the counter of the outlet, and the mobile phone can repay the loan in minutes.
Letter: If you meet the requirements, you can apply for a pure credit unsecured loan, or you can choose a mortgage or secured loan.
Hui: the interest rate is favorable, and the loan can be repaid with the loan, which can be recycled. The actual loan begins to bear interest on a daily basis, and the unused loan does not charge interest.
Three. Agricultural Bank of China Huinong Electronic Loan Process
1. Accept the loan application. Customers can apply for loans through offline outlets or online self-service channels.
2. Collect customer information and import the white list. The system evaluates and automatically approves the loan amount according to the comprehensive information of customers, and the automatic approval business is approved.
3. Contract signing. After the system is approved, we will further determine the loan amount, term, repayment method and repayment account with the borrower, and sign a loan contract.
4. Payment and repayment. Customers can use bank counters, online banking, pocket banking and self-service terminals for payment and repayment.